The Words That Kill Dreams
In my years in the mortgage industry, I've heard two phrases that kill more dreams than any credit score or debt ratio ever could:
"I can't."
"Yeah, but..."
These aren't just words. They're doors slamming shut. They're loan officers giving up before they've even tried. They're the reason good people with good jobs and good intentions end up renting forever.
A Different Way of Thinking
When I started NorthStar Funding, I made a commitment. We would never be a "yeah, but" company. We would never be an "I can't" lender.
Instead, we would always ask one simple question: "How can I?"
It's not about ignoring guidelines or bending rules. It's about looking at every situation with fresh eyes and asking: "What's the path forward here?"
What "How Can I?" Looks Like in Practice
When a borrower comes to us with a challenging situation, here's how the "How can I?" approach works:
The Traditional Response:
"Your DTI is 48%. I can't do this loan."
The "How Can I?" Response:
"Your DTI is 48% using W-2 income. Let me look at your full financial picture. Do you have bank statements showing additional income? Assets we can use for qualification? A co-borrower who could help? Let's find a path."
The Traditional Response:
"You're self-employed and your tax returns show losses. Yeah, but we can't use negative income."
The "How Can I?" Response:
"Your tax returns show losses, but your bank statements show strong deposits. How can I document your real income? Let's look at a bank statement program or P&L-only option."
The Traditional Response:
"You're a foreign national. I can't do loans for non-citizens."
The "How Can I?" Response:
"You're a foreign national with a valid visa and strong assets. How can I structure this? We have programs specifically designed for your situation."
Why This Matters
Every "I can't" represents a family that doesn't get their home. A business owner who can't build equity. An investor who misses an opportunity.
And often, that "I can't" is wrong. There IS a way. It just requires someone willing to look for it.
Our Commitment to You
When you work with NorthStar Funding, you're working with a team that has been trained to think differently. We don't see obstacles – we see puzzles to solve.
Will we be able to help everyone? No. Some situations truly don't have solutions within current lending guidelines. But we promise you this:
We will never say "I can't" without first asking "How can I?"
We will never say "Yeah, but" without exploring every option.
We will treat your dream of homeownership with the respect it deserves.
Ready for a Different Experience?
If you've been told no, if you've heard "I can't" or "yeah, but" from other lenders, give us a call. Let us show you what the "How can I?" approach can do for your situation.
Call (800) 917-1595 or start your quote online today.
At NorthStar Funding, we believe everyone deserves a lender who fights for them.